Generally speaking, there are three conditions for fund dividends, namely: the fund can distribute after the initial profit fills the losses of previous years; After the distribution of fund profits, the net value of the fund unit cannot be lower than the face value, and the fund investment with losses in the current period cannot be divided.
Why do you want to deduct fund dividends? The deduction of fund dividends is due to the fact that fund enterprises send some profits to investors in cash, so the net value of the fund will decline. When investors see that capital deduction is actually a decline in the net value of the fund, they will mistakenly think that it is capital deduction.
To put it simply, the fund dividend is to give some of the profits earned before to the holders, and the holding share has not changed, so it is necessary to reduce the net value of the fund unit. Generally speaking, there are two forms of fund dividends: stock dividends and income reinvestment. Generally, the default setting is stock dividend, and investors can also change the dividend method before the interest payment date.
How to judge the fund type? Funds are generally divided into: money funds, bond funds, mixed funds, individual stock funds, index funds, QDII funds, ETF funds and so on. In different situations, we can say their names at once. Take Alipay as an example: the details page of Alipay Fund will indicate the fund type, or you can click on the product overview of the fund to inquire, and there will be detailed instructions. Because the channels for purchasing funds are different, the presentation methods will be different, and you can make your own inquiry.
In addition, you can also make a judgment according to the pre-tender estimate of fund investment. Generally speaking, the investment orientation is mainly savings, large deposits and short-term bonds, which basically belong to money funds. If the investment trend is debt, then you are a debt fund.
If the investment trend is bonds and stocks, you are a hybrid fund; If the investment trend is individual stocks, you are a stock fund; If the investment trend is based on a specific index value, then you are an index fund. Among them, the money fund with the least risk has better liquidity and stable income. If you don't want to take big risks, the money fund is a good choice.
The types of funds that ordinary investors can buy are mostly stock funds and bond funds. When buying a fund, it is very important to understand and distinguish the types of funds. Because the types of funds are different, their risks and returns will be different.
According to the classification of fund types by China Securities Regulatory Commission, more than 80% of fund assets are invested in individual stocks, while more than 80% of fund assets are invested in bonds. For example, open Alipay, click "Wealth-Fund" to create a high-tech portfolio, click in and drop down to "Fund Profile-Shareholding" to see the fund's positions.
The above is the basic knowledge of how to judge the type of fund.